CFG Citizens Financial Group

Q3 2025 10-Q

Filed: Nov 3, 2025Period ending Sep 30, 2025

Financials

State Commercial BanksSEC EDGAR

Citizens Financial Group (CFG) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 3, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

AI Filing Analysis
Q3 2025 10-Q

Management Discussion & Analysis

• Revenue $2.12B Q3 2025, up $217M YoY; Net interest income $1.49B Q3 2025, up $119M YoY; EPS $1.05 Q3 2025 vs $0.77 YoY
• Operating margin (net interest margin, FTE) 3.00% Q3 2025 vs 2.77% YoY; ROTCE 11.75% Q3 2025 vs 9.45% YoY; efficiency ratio 63.03% Q3 2025 vs 66.23% YoY

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Risk Factors

• No new or changed risk factors disclosed in 10-Q referencing 2024 Form 10-K risk section
• Credit risk from potential loan defaults remains significant per 2024 10-K disclosures

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Quarterly Financial Summary
XBRL

Revenue

$452M

Net Income

$494M

Net Margin

109.3%

ROE

1.9%

Total Assets

$222.7B

Source: XBRL data from Citizens Financial Group Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

Other Citizens Financial Group Quarterly Reports

Q2 2025 10-Q

Q1 2025 10-Q

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